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was 27%. the only place you could have parked your money and got a better rate was india. and so, it is a great investment destination. i think increasingly, investors are going to realize that. but we still need more investment. we need more direct investment, but we also need better ways at getting the money that is available into the hands of people who are smart, are creative, are entrepreneurial, have technology that can really make a difference on the ground. >> one of the strangest ways that that might be done is through a handheld device you were telling me about earlier, an hour-long sort of truth detector that becomes your credit report. explain this concept to me. >> well, you could sort of say it's a proxy of sorts, and it actually has been proven to be more predictive than a credit report in terms of helping you to identify certain types of risk. >> so, it's this thing you put in your hand, right? >> it's a thing you put in your hand, and i'd like to take credit for actually inventing the actual handheld device. i'm a funder an an enabler and do a lot of capacity-bui
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